Summary
Overview
Work History
Education
Skills
Accomplishments
Timeline
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Sakshi Jain

Hyderabad

Summary

Dynamic Credit Analyst at PayPal with a strong track record in enhancing credit risk evaluation and financial analysis. Proactive in risk assessment and fraud analysis, overseeing transactions exceeding $500K USD annually. Proficient in SQL and Microsoft Excel, adept at leading cross-functional teams to optimize processes. Demonstrated success in achieving significant process improvements through meticulous research and analysis.

Overview

8
8
years of professional experience

Work History

Credit Analyst

PayPal
Remote
03.2022 - Current
  • Managed credit lines for enterprise merchants handling transactions exceeding $500K USD annually on PayPal.
  • Conducted comprehensive risk assessments of merchants' business models, processing metrics, and financial statements
  • Utilized qualitative and quantitative analysis to determine merchant risk tiers
  • Developed various types of collateral according to assigned tier.
  • Constant monitoring of the merchant accounts, along with follow-ups and conversations with the Accounts Manager.
  • Guided cross-functional team members through credit risk procedures.
  • Managed high-level risk escalations received from executive offices
  • Optimized processes through evaluation of various models.

Senior Credit Consultant

Ernst & Young India
New Delhi
04.2021 - 03.2022
  • Advised NSDC, India on credit concerns.
  • Supervising more than 50 associated training partners
  • Assessment of credibility status of every training partner and disbursement of funds on the basis of it.
  • Enabled streamlined access to loan information through automated email responses

Credit Analyst - BIL

IDFC First Bank
New Delhi
09.2019 - 04.2021
  • Managed credit granting workflow from CAM preparation to loan disbursement
  • Conducted thorough evaluations of customer creditworthiness for business loans
  • Analysis of available information, such as the customer's background, financial statements, business processes, projections, available credit ratings, market feedback, and banker verifications. Perform trend/ratio analysis.
  • Conduct thorough analysis and offer conclusive recommendations for approvals
  • Monitoring periodic credit reviews of existing customers and restructuring of the loans of financially stressed customers.

Credit Analyst

Yes Bank
New Delhi
07.2018 - 08.2019
  • Analyzed financials like Profit & Loss Statement, Balance Sheets, and others of Private Limited Companies, Limited Companies, Partnership firms, and Proprietorship firms.
  • Decision made for loan approval/rejection within appropriate Turn Around Time (TAT).

Credit Analyst - Channel Finance

Mahindra & Mahindra Financial Service
Gujarat
07.2016 - 07.2018
  • Catered to high-volume accounts.
  • Oversee end-to-end process from credit evaluation to legal documentation leading to disbursement.

Education

MBA - Finance And Marketing

Jaipuria Institute of Management
Jaipur
05-2016

Skills

  • Credit Risk Evaluation
  • Expertise in Financial Analysis
  • Proactive Risk Assessment
  • Research and analysis
  • Fraud Analysis
  • SQL
  • Microsoft Excel
  • MS PowerPoint
  • Financial Ratio Analysis

Accomplishments

  • Received multiple spot awards and Shout Out for spotting and mitigating both Fraud and Credit Risk in PayPal
  • Certificate of Achievement-Yes Bank
  • Employee of Quarter - Mahindra & Mahindra Financial Services

Timeline

Credit Analyst

PayPal
03.2022 - Current

Senior Credit Consultant

Ernst & Young India
04.2021 - 03.2022

Credit Analyst - BIL

IDFC First Bank
09.2019 - 04.2021

Credit Analyst

Yes Bank
07.2018 - 08.2019

Credit Analyst - Channel Finance

Mahindra & Mahindra Financial Service
07.2016 - 07.2018

MBA - Finance And Marketing

Jaipuria Institute of Management

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